The price movements on wall street are pricing in a high "probability" of lower revenue, which in turn is derived from our vacation rentals.

* How did I derive $75K monthly income requirement?

Are there derivative instruments or strategies to lock in an interest even though you may not be closing for another 2-3 months?

I needed a flexible schedule so took out some of my home equity and moved to another state having more homes under $50k derived from internet searches.

An appraiser will use both methods: The comparable sales (comps) approach, and the income approach, when valuing the portfolio (and possibly a third approach as well: replacement cost).Then they will assign a weight to each derived value (probably with a heavy emphasis on comps, since these are SFH) and then determine their professional opinion of the value of your portfolio as of a given date. 

You cannot personally derive income other than by taking taxable distributions from the IRA, normally after age 59 1/2.

Perhaps I should also be 'invested' in "weather derivatives..." like the so-called, "elites," to local utility companies??

Instead, you need to determine the individual expenses based on actual expenses on that property if possible, or estimates that are derived from experience to that market (an experienced property manager may know if you do not) and/or validated with independent research.Finally, cash flow does not equal profit.

If I am not mistaken from what I have learned is that income/debt is more important when it comes to SFH or small MFH but if one were to invest in a 5+ apartment (large MF) your income/debt is irrelevant vs. the importance of the income derived from the property itself.

As @Nicolas Paez said, lenders quoting a spread over the 10-year are institutional (life insurance) lenders and it's doubtful they'd lend to someone without a track record with these projects.Unless you're trying to derive a cap rate (and there's no need to), I'm not seeing the need for loan rates for a valuation model.